BlastPoint's Banking Scorecard
Home Banking Company
Micro
Specialty: Other
TN
FDIC cert 9196
Designations: ✓ Community bank
Selmer, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Home Banking Company faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Efficiency Ratio 25.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.0M
-14.6% YoY
+1.5% QoQ
|
-$94.4M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$59.9M
-10.5% YoY
+0.0% QoQ
|
-$79.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$111.1M
-13.9% YoY
+3.0% QoQ
|
-$72.5M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.06%
+11.6% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.26%
+27.4% YoY
+2.7% QoQ
|
-0.60% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
93.52%
-7.3% YoY
-0.6% QoQ
|
+25.79% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.47%
+65.6% YoY
+106.6% QoQ
|
+0.83% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
53.90%
+3.9% YoY
-3.0% QoQ
|
-20.62% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
32.35%
+13.1% YoY
-2.6% QoQ
|
+9.96% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.72%
+73.4% YoY
+103.5% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+12.0% YoY
+27.2% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.52%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.35% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.90% · Tier avg: 74.53%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Deposits
Current: $111.1M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $123.0M · Tier avg: $217.5M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $59.9M · Tier avg: $139.2M
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
7
7th pctile
Efficiency Ratio
Current: 93.52% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.52% · Tier avg: 67.73%
19
19th pctile
Delinquency Rate
Current: 1.47% · Tier avg: 0.64%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
24
24th pctile
Total Loans
Current: $59.9M · Tier avg: $139.2M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
30
30th pctile
Total Assets
Current: $123.0M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $111.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.90% · Tier avg: 74.53%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.35% · Tier avg: 22.39%